Our Investment Frequently Asked Questions

To the extent that any statement on this website constitutes financial product advice, that advice is general advice only and has been prepared without considering your objectives, financial situation or needs.  You should, before deciding to acquire or to continue to hold an interest in the La Trobe Australian Credit Fund, consider the appropriateness of the advice having regard to your objectives, financial situation or needs and obtain and consider the Product Disclosure Statement for the Fund. 

When considering whether to acquire or to continue to hold an interest in the Fund, you should remember that (1) an investment in the Fund is not a bank deposit or a term deposit, and is not covered by the Australian Government’s deposit guarantee scheme. Investing in the Fund has a higher level or risk compared to investing in a term deposit issued by a bank and (2) there are other risks associated with an investment in the Fund.  The key risks of investing in the Fund are explained in section 9 of the PDS.

A credit fund is a trust structure that is operated by a fund manager which invests in various asset classes including loans secured by mortgages over real estate property.

Our Credit Fund uses investors’ money to grant loans secured by mortgages. You, as an investor, may receive the investment returns on those mortgages, after the fund manager deducts their fees and expenses of running and operating the Credit Fund. These loans can be secured by mortgages over retail, commercial, construction and development, industrial, rural or residential properties.

A credit fund is not a debenture scheme, as each investment is held on trust on behalf of the investors in the fund.

La Trobe Financial is committed to product excellence, investment security and service. We have over seven decades of experience in real estate financing and asset management. We draw from these years of experience in the financial services industry to serve your mortgage investment needs. All investments are subject to a credit analysis process prior to them being presented to you, the investor. Our commitment to excellence is delivered by:

  • employing a team of legal and project advisers;
  • ensuring the real estate security is appropriate;
  • requiring additional collateral from borrowers where necessary;
  • seeking pre-planned exit strategies from certain borrowers;
  • requiring all mortgage investments to be at arm’s length from La Trobe Financial;
  • obtaining independent valuations on all security; and
  • conducting credit checks on all borrowers.

La Trobe Financial manages the mortgage loans. We co-ordinate all the legal documentation, ongoing administration and mortgage renewal negotiations.

^In limited circumstances, as outlined within the Fund Constitution, La Trobe Financial may undertake alternative valuation methods.

Mortgage investments are secured by tangible assets that you can ‘touch and feel’. Typically, the loans which are secured by a mortgage are based on a percentage of the appraised value of the real estate security also referred to as the Loan to Value Ratio (LVR). Security offered for the loan can include residential, commercial and industrial property, as well as vacant land and rural property.

There are no investment entry fees. All upfront costs are paid by the borrower at the application stage of the mortgage.

See the “Fees & Charges” section of the Product Disclosure Statement (PDS) for further information.

The minimum and maximum investment amounts are:

Investment Product



Classic Notice Account


No limit

90 Day Notice Account


No limit

6 Month Notice


No Limit

12 Month Term Account


No limit

2 Year Account


No Limit

4 Year Account


No limit

Select Investment Account

Minimum $1,000.  Maximum depends on the loan selected.

Please note that La Trobe Financial has the right to reject an investment application if it is not in the best interest of all investors.

No, La Trobe Financial has appointed Perpetual Corporate Trust Ltd as the Custodian of the assets of the Credit Fund and it is listed on the title as the mortgagee.

No, the SPDS details important information about the investment you are considering. After reading the SPDS, if you choose to sign and return the SPDS to La Trobe Financial, you will have made a commitment to invest.  This then forms an investment agreement for the investment product. 

Call us on
1800 818 818

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